I wrote a standard "it has come to my attention in my annual review of my credit that........" to a credit card company (GE CAP) and told them that they were reporting incorrectly. They show an unsettled balance from 1997 when in fact the account was settled at the time I got a divorce. I mentioned this to them in my letter. They wrote me back and said, we can't find any info on your account, we keep things only 25 months, blah blah blah and if I would, please send a copy of the settlement letter and confirmation to them. Well, I then disputed with EQ and got a response back from EQ that the OC verified this account as reported accurately. I just received the letter from EQ a couple of days ago and the letter form the OC about a week ago. Now the magic question is, since this is an OC, do I go after them or the CRA or both or none???? They are putting me in the middle of their ping pong match and i do not like it one bit! Evidently the OC has been reporting this even AFTER it was settled in 97.
So jlynn, are you saying just go ahead and file on them both or send an ITS first. If I am correct, the violation is that the OC verified the account to the CRA AFTER my notice of dipute and to boot sent me a letter saying they can't even find the account. Seems I am in the drivers seat at this point. Do y'all agree?
